David Bowles Email & Phone Number

London, England, United Kingdom

London, United Kingdom

Senior consultant at Fair UK Responsible for establishing a UK entity to launch a subscription based car hire service, transacted via a mobile app.Project includes establishing a back office capable of servicing the hire agreements as well as offering a range of services including delivery of the vehicle, maintenance, insurance, full re-marketing capability and residual value management.

London, United Kingdom

Reported to the Director of Leasing, Ricoh Capital Europe providing advisory services.Assisted with the full scope and implementation of a fully automated credit approval system - scheduled for launch October 2019 via a centralised credit and risk team serving the Ricoh operating companies round Europe.

Leicester, United Kingdom

- Reporting to the Chief Risk Officer and providing advisory services and support to the Head of Credit & Operations with a review of operational processes following a credit sanction - Oversaw the control and processing of tasks with optimal efficiency and in compliance with the bank's lending policy and asset finance protocols - Assisted with the recommendation and implementation of robust new processes and procedures - Conducted an in depth review of the closing process, including documentation, agreement records, security checks and payment requests - Evaluated the suitability of in life transaction management processes and procedures and highlighted any improvement opportunities - Proactively contributed to the review of the partial termination process and procedures - Reviewed the end of lease/hire purchase contract requirements, including extensions and resale arrangements to the lessee or third party - Examined the sales process to ensure alignment of protocols with product descriptions and operational procedures - Successfully implemented aforementioned processes in line with deadlines and the client requirements

London, United Kingdom

- Established a new regulated financial services organisation in the UK prior to subsequent appointment as Director of Tesla Financial Services- Managed the completion of a Full Permissions License application to the FCA to begin trading as a new Automotive Financial Services company for the UK - Established a Shared Service Operation in Amsterdam to provide centralised, effective, back office support for newly created Tesla Financial Services companies across Europe - Oversaw day to day back office operations to meet all financial objectives - Led a team who ran the UK and German operations and was accountable for risk management, driving product development, handling applications and providing an effective link between the back office and the sales team - Managed finances, as an FCA Approved Person, including cost effective budget control, purchasing, pricing, payments, collections, and compliance - Forged robust supplier relationships, including Legal, Credit Bureau, System Providers, and Credit Decisioning software - Set up a Shared Service Back Office Operations in Amsterdam (Aug 2015); a Tesla Financial Services Germany back office in Amsterdam (Oct 2015); a Tesla Financial Services UK back office in Amsterdam (Nov 2015); and a Centralised European risk operations based in a shared service office in Amsterdam - Delivered a regulatory compliance program (BaFin and FCA) - Appointed contract management company to provide a loan receivables system - Obtained Tesla Financial Services UK – FCA Full Permissions License in record time (Dec 2015) and launched Tesla Financial Services UK (Jan 2016) - Implemented an innovative web-based customer / business application linked to online vehicle configuration - Established "Auto Accept" capability via an automated online credit application

Doha, Qatar

- Worked for the leading provider of premium international products and services in Qatar and the sole importer for Mercedes, Mitsubishi, Audi, Volkswagen, Harley Davidson, Kawasaki, Suzuki, and other non-automotive related products - Established and project managed the launch of an automotive financial services organisation serving brands under the ownership of NBK - Conducting end user testing and implementing an innovative new receivables system - Set up operations, implemented all processes and systems to achieve all business objectives - Recruited, led and supported a back office team of up to 15 personnel - Created and executed a robust ‘take to market’ plan and designed and implemented an effective new “in dealership” system - Launched front end “in dealership” system enabling automatic transmission of applications through to the NBK Financial Services back office - Successfully launched multi-brand financing operations - Delivered post launch finance penetration of c20% across all automotive brands - Appointed Managing Director of NBK Financial Services in October 2013 following exceptional performance as Operations Manager - Established all operating processes and procedures to ensure smooth operations - Introduced a full audit program to confirm compliance with established procedures

London, United Kingdom

- Oversaw all club operations to support growth - Managed catering, golf course, memberships, sales and societies to maximise revenue potential - Led and performance managed staff, and conducted appraisals to facilitate ongoing development - Provided monthly reports on all facets of the club as a Board member to assist with key business decisions - Controlled budget and expenditure, maximised cost efficiency, and analysed performance against budget

London, United Kingdom

- Ran a benchmark exercise with the six largest UK based automotive captive financial service financing companies - Completed a 2-week onsite visit at each company to compile operational data- Produced an in depth data deck comparing each company on all aspects of the business, including origination, loan processing, contract management, collections, recoveries and remarketing- Performed detailed analysis on each company and preparing a full report for each MD summarising areas for improvements, recommendations and impact on cost / revenue post implementation

Brentwood, Uk

- Managed the Central European and New Markets Sales Organisation comprising the Ford, Volvo, Jaguar, Land Rover and Mazda brands in this FCA Approved position - Responsible for 8 European countries, 3 new/emerging markets, and oversaw and supported the Managing Director of each location - Led the World Trade Finance department consisting of international importers appointed by Ford Motor Company - Controlled annual budgets for Central European and New Markets, delivering financial performance vs. budget presentations to the Chairman - Ensured local credit and operating guidelines application in line with bank policies and procedures- Represented the bank on the Board of FORSO, a Scandinavian Joint Venture with Credit Agricole, and the Board of the Saudi Arabian Joint Venture - Contributed to the recruitment of key managerial positions around the European operations as a member of the European Personal Development Committee - Member of multiple committees, including that of the FCE Bank Executive, European Credit Policy, European Systems Steering, and a member of the European Dealer Management Systems Board - Generated an post-tax return of 19.3%, an operating cost ratio of 1.54%, and a loss ratio of 0.23% - Secured new funding for World Trade Finance and European locations through the implementation of a robust new financing / securitisation programme - Reduced operating costs over a 3-year period to a record low of 1.54% - Automated manual work routines through the management of a pan European Systems Steering Group - Integrated stand-alone financing operations for the non-Ford brands of Jaguar, Land Rover, Volvo and Mazda, into the established FCE Bank financing operations in Italy, Spain, Germany, France and the UK

Uk And Netherlands

Various roles including overseas assignments.